Please read these important notes before proceeding:

(We apologise that this is so long!)

When you apply for an account with Churches’ Mutual, we ask you provide information about yourself. This includes information about who you are, where you live, and who you bank with. This information is sent through our secure website to ‘CallCredit’ an external credit reference bureau who validates the information given and provides us with a report in order to satisfy identity checks and Anti-Money Laundering legislation.

Full details of how CMCU treats your personal information can be found on our Privacy Notice

If you are happy to provide Churches’ Mutual with information to use in this way and you have checked you are eligible to join please proceed to the account application page by pressing the ‘Click Here’ button below. If you are not willing to provide this information please contact us via the contact form on the Home page of this website but please be aware that we cannot open an account for you if we are unable to verify your identity.

Am I eligible to join?

To be eligible for membership of Churches’ Mutual Credit Union Ltd applicants must share a ‘common bond’ with existing members. Churches’ Mutual Credit Union Ltd offers individuals membership through association with the Anglican Churches of Great Britain, the Church of Scotland, the Methodist Church of Great Britain, the United Reformed Church, the Catholic Church in England & Wales and the Catholic Church in Scotland.

Please read the following statements carefully:

I am an elder, a lay or ordained minister or training for ministry in an Anglican Church in Great Britain, the Church of Scotland, the Methodist Church of Great Britain, the Catholic Church in England & Wales and the Catholic Church in Scotland or the United Reformed Church. (This category includes active or retired clergy and ministers, and elders of the Church of Scotland or the United Reformed Church).

I am an employee or trustee of a National, Regional or Local Church institution or office of the Anglican Churches of Great Britain the Church of Scotland, the Methodist Church of Great Britain, the Catholic Church in England & Wales and the Catholic Church in Scotland or the United Reformed Church.

I am an employee or trustee of a charity of the Anglican Churches of Great Britain, the United Reformed Church or of the Church of Scotland, the Catholic Church in England & Wales or the Catholic Church in Scotland (this includes Church Council members, and employees and trustees of church voluntary aided schools and academy trusts).

I am a household member of any of the above.

If you are able to answer YES to at least one of the above statements and once you have read the notes below:

If you cease to act as a trustee or employee at some point in the future you will be able to maintain your membership. The important thing is that you qualify at the point of joining CMCU.

Paying a Small Fee

Once you have completed the joining process you will be asked for a £10 debit card payment. £5 will be the joining fee (which is non-refundable) and £5 your initial deposit. Within two working days you will be contacted by email with more information on the next stage of account opening.

If you would like more information regarding the accounts, or if you are unsure if you qualify or you are a qualifying corporate entity please contact the credit union on admin@cmcu.org.uk

Joining CMCU

Savings and Loan accounts with Churches’ Mutual Credit Union Ltd are available to individuals who hold a recognised position within the Anglican Churches of Great Britain, the Church of Scotland, The United Reformed Church, The Roman Catholic Church in England & Wales and in Scotland and The Methodist Church of Great Britain in either a paid or voluntary capacity. This covers a wide variety of associations including stipendiary, self-supporting and retired clergy, lay or ordained ministers, church council members, elders, office staff and trustees of church charities. We are also able to offer accounts to household members of people who qualify and to retired ministers, teaching and non-teaching staff of church schools within our partner denominations. If you are not certain if you are eligible please check with us via the contact page of this website.

Opening an account, whether it is to make a deposit or to sign for a loan, is easy and can be done through the ‘open an account’ tab on homepage. When you follow this link you will reach a pop-up which asks you to confirm you are eligible for membership. In the middle of this page is a link ‘click here’ this will take you through to the first stage of the membership application form where you will be asked to state the capacity in which you think you are eligible for membership, and when completing the form you will need to supply your passport and/or driver’s licence details. You will then be asked to pay £10 to complete the process. This represents a £5 administration fee which is non-refundable and £5 as your initial savings deposit.

You do not need to be an existing member to apply for a loan, however you do need to be eligible for membership (see above). Visit the page for the type of loan you are interested in for details on how to apply. Once your loan is agreed you will be asked to complete the online joining form before your loan is issued to you.

If you need any further information regarding membership of the credit union please contact via the contact form on this website.